i'm sure you've heard of them, and these may be whay you're talking about in the end of your paragraph, but what about things like mindbloom and myketaminehome? they don't take insurance so their rates aren't inflated by insurance bargaining and sometimes you can even get them to give you a discount if you talk to a support agent. some clinics offer kat (ketamine assisted therapy), and i only know this because i happened to be seeing a therapist at a clinic that offers kat and she told me about it. i'm not sure on the insurance situation yet but she seemed convinced that insurance would cover it so i'm hopeful there are kat clinics out there who would be covered. i do also know that there are kat clinics who offer a superbill (basically, you pay ahead of time, then submit the bill to your insurance for reimbursement) so there's other ways to get some coverage too, if you do ever end up with insurance. hope you find something that suits your needs!